Payday loan, title loan, or personal loan -- Problem with the payoff process at the end of the loan -- Complaint #6604180
Complaint Overview
Complaint ID: 6604180
Company: American First Finance, INC.
Product: Payday loan, title loan, or personal loan
Sub-Product: Installment loan
Issue: Problem with the payoff process at the end of the loan
State: Texas
ZIP Code: XXXXX
Date Received: 2023-02-22T12:00:00-05:00
Date Sent to Company: 2023-02-22T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022, I bought a washer/dryer set from XXXX XXXX XXXX in XXXX, Texas. Originally I was going to pay cash, but the store individual asked me to " apply for credit '' through their stores finance company ( American First Finance ). She handed me her lap top and instructed me to complete the application on line. I was approved for XXXX, the set that I selected off the showroom floor was a Grey Whirlpool front loader for XXXX. I had to put a deposit down and when I requested copies of the contract, receipt and paperwork... the printer was down. I was told that the fiance company would e-mail me a copy of the paperwork... ..Part of this purchase was a free delivery of the set and the removal of my old set to be used as a trade in ... .Upon delivery, the installer notified me that both units had problems... so I contacted the seller, XXXX, she scheduled to have another set delivered. Same thing, the washer tub fell out, the dryer would not work correctly... Once again, through text, telephone messages, I talked with XXXX. They was to send out " their repair technician ''. They never showed. I requested a replacement set. The third set was a top loader washing machine, standard dryer and no pedestals. This was not what I purchased. This happened two more times. The 4th set was a XXXX front loader set. Upon delivery, the installer noticed problems. XXXX scheduled to have " a repairman '' to come and fix it. It was not fixed. I contacted the Finance company and issued a complaint. In addition, I filed a complaint with the XXXX XXXX. At the same time, the finance company contacted me by e-mail to " pay off my note '' to avoid interest and finance charges. I talked with their offices multiple times and no resolution. I paid my note off. I finally received a copy of the contract and a payment history. It all pertained to the original washer and dryer that I purchased. Basically I paid for something that I did not have. To date, the company has not repaired either my washer or dryer. In XXXX, I received a letter from American First Finance informing me that they was going to resume deducting payments from my account due to it not being paid off. I immediately filed a complaint with the company, I even showed them and gave them the transactions information from the bank showing where they deducted it from my account. To date neither company has resolved my complaint.
Frequently Asked Questions
What is Complaint #6604180 about?
Complaint #6604180 was filed against American First Finance, INC. regarding Payday loan, title loan, or personal loan specifically about Problem with the payoff process at the end of the loan. It was received by the CFPB on 2023-02-22T12:00:00-05:00.
How did American First Finance, INC. respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, or personal loan) and describe your issue in detail.
Can I see other complaints against American First Finance, INC.?
Yes, visit the American First Finance, INC. company profile at readthecomplaint.com/company/american-first-finance-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.